But things slowly changed, and eventually the government's Jan Dhan scheme took banking to the remote corners of the country. Fia Global and other players rode that wave. What the pandemic taught the leadership at Fia Global is that basic banking services do not offer financial security to poor Indians, he said. Prem plans to expand into new business operations such as offering income generation loans, Insurance to offer protection against natural disasters, crop failures and such. Prem's philosophy is to go beyond just providing banking services, as it is leveraging the company's vast collection of financial services.